Well said CM7, well said.
When i take a step back and look at my card profile and lineup , i definetly am seeing keepers and ones that i know i can live with out. As ive really made huge strides in how i use credit cards and adopting the philosophy of trying to pay as i go so less debt acrues, i know i want to get myself of bt debt lol. Bts can be fun but dangerous if you use them too much. Next stage is refining the lineup so my cards work for me not the other way around
When i take a step back and look at my card profile and lineup , i definetly am seeing keepers and ones that i know i can live with out. As ive really made huge strides in how i use credit cards and adopting the philosophy of trying to pay as i go so less debt acrues, i know i want to get myself of bt debt lol. Bts can be fun but dangerous if you use them too much. Next stage is refining the lineup so my cards work for me not the other way around
@CreditMagic7 wrote:
@AverageJoesCredit wrote:
Thanks Dad, i wish i had the low rate on my Platinum but maybe in a year when i ask for an apr redux
CM7, thanks , now looking to see if i can channel my inner Magic to garden like its 1999I can only offer some insight by sharing my experience with gardening, but it goes something like this.
Starting out did the usual by apping with some approvals and some denials, to be expected right?
Then hit the garden for only 3-4 months at a time and right back at it again. You have to build a card deck and it doesn't get build with much there obviously.
Then as your score inches up and some history grows on the reports you make more strategic choices for those cards that expect will grow with you for the long term.
At some point you make it to 6 months instead of 30, 60, or 90 days gardening before coming out.
It is a painfully long ordeal and process but there is no other way. After all that jockeying in and out of gardening while securing useful card accounts in between FICO scores begin take on a much less erratic pattern (you can predict expectations) given all other elements are kept acceptable, INQ's not so much but Utility/Balances more so.
When you make a decision to go long term gardening (6 months onward) that's when you can see not only steady increase in your FICO Score but often times larger growth in CLI's too.
It's a dance and we learn by dancing to the tune we like best.
I couldn't have expressed this better, CreditMagic! 
What an awesome card to get approved for, AJC! Congrats! You truly have ended your apping finale in style! So so happy, for you, my friend! You're in really good graces with NavyFed now, and I can't wait to see what your CL's will look like six months from now! Enjoy!!!
Oh an by the way.
Real catchy topic title too about the new NF TShirt. Totally Awesome 
Thanks Weedeb i am kinda more in shock that i actually got a cli and a new card within the first 5 months of my new journey with Navy. After reading the last couple posta on Navy cli thread, seems some are having trouble getting cli if it isnt 6 months so happy i was able to perhaps squeek by
LOL thanks CM7, was wondering if anyone would catch my reference to the t's
i am kinda more in shock that i actually got a cli and a new card within the first 5 months of my new journey with Navy. After reading the last couple posta on Navy cli thread, seems some are having trouble getting cli if it isnt 6 months so happy i was able to perhaps squeek byLOL thanks CM7, was wondering if anyone would catch my reference to the t's
Just got my paper with score from Navy, 306 out of 450. Not sure how to compare that in regards to being good or not but im gonna think not bad if its got me 2 cards and a cli in 5 months